Evaluations

In southern and eastern Ghana, researchers evaluated two youth financial literacy programs to test their impact on savings, labor, academic performance, and financial decision-making. One program integrated financial and social education, while the second only offered financial education. Both...

International remittances are an important financial tool for many developing countries, and many organizations offer financial products or financial education services to help families manage the remittances they receive. Researchers provided families with financial products and financial education...

Researchers partnered with a large Indonesian Islamic bank to evaluate the impact of sending moral appeals in reminder text messages to late-paying credit card holders. Messages stating that non-repayment of debts by someone who is able to repay is an injustice increased the number of clients...

In partnership with a mobile network operator launching a new phone-based savings account, researchers evaluated the role of defaults and financial incentives on savings decisions. Two months after the launch of the phone-based savings account, the company’s employees randomly assigned a default...

Researchers partnered with the Bavarian State Opera House to conduct a randomized evaluation to test the impact of different fundraising methods on the giving behavior of aristocrats and corporations. They found that aristocrats were more responsive than other donor types but corporations gave the...

Working with a large bank in Indonesia that markets platinum credit cards to high-income customers, researchers designed a series of randomized evaluations to understand the demand for status goods. Overall, researchers found that a substantial part of the demand for the platinum card is explained...

Researchers partnered with Tamweelcom, a microcredit institution in Jordan, to estimate the demand for loans that comply with Islamic law (sharia-compliant loans). Sharia-compliant loans increased the demand for microcredit, and religious individuals were willing to pay more for this product.

Researchers conducted a randomized evaluation to test the impact of a savings lockbox, or SMS reminders, on household saving, spending, and the ability to cope with negative shocks in rural Niger. Take-up and usage of the lockbox were high, and while the lockbox intervention did not affect overall...